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How to avoid invalidating your van insurance

September 27, 2017 at 8:36 PM

Buying a van can be an excellent choice when looking for a mode of transport, and in the current economic climate the cost-benefit of purchasing a used van is particularly attractive. Like all motor vehicles in the UK, vans have to be insured. We have put together an article for you on what to avoid to reduce the risk of invalidating your van insurance.

White vans not white lies


The most common way to invalidate your van insurance is by not telling your insurer the full truth about the vehicle. While it can be tempting to bend the truth about seemingly small things, such as your profession or whether the van will be kept in a garage, you must resist. Any benefits these untruths may have in lowering your premium will be completely outweighed if you are discovered to have knowingly lied to your insurer, since this almost always leads to insurance invalidation,

Sharing isn't caring


Unless your insurer specifically offers a plan which allows anyone to use your van, you must not allow drivers other than those on the insurance to drive it. It might seem harmless to allow a good friend to borrow your vehicle for a while, but if they get into an accident or cause damage to your vehicle it will be you, not your friend, who is left with the bill. That is a steep price to pay, as the insurance will be invalidated if an uninsured driver is in control of the vehicle.

Van care


Used vans, like used cars, are more likely to need maintenance and it is important that you do not slack on your vehicle's upkeep. Failing to ensure that your van is roadworthy, or even just driving in ways which damage the van's parts, is a quick way to get your insurance cancelled.

Fudging the numbers


When purchasing van insurance it is easy to focus on only one number, your premium. However, do not let this encourage you to underestimate another very important number: your mileage. Get out the calculator and take some time to make sure that you are being accurate with your estimates. 2,000 miles sounds like a lot for a year, but if you are driving 30 miles to work every day then that is 60 miles a day, 300 miles a week and a whopping 15,600 miles a year just in commuting travel.

Modifications


Finally, it is important that you inform your insurer of any modifications that have been made to the base model of your vehicle. This means that it is very important that you find out from the van's previous owner if they made any changes to it. Even if you were not the modder, you can still be on the line when it comes to insurance.

We hope this guide helps you avoid having your insurance cancelled. In addition, make sure to always read your insurance contract carefully.

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